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Q: Real Estate Deeds in United States ( Answered 5 out of 5 stars,   1 Comment )
Subject: Real Estate Deeds in United States
Category: Business and Money
Asked by: kingfish1-ga
List Price: $25.00
Posted: 06 Apr 2005 05:11 PDT
Expires: 06 May 2005 05:11 PDT
Question ID: 505680
Who pays to record a deed in each of the 50 U.S. states? Is it the
buyer in the real estate transaction, the seller, or both (50% each)?
Subject: Re: Real Estate Deeds in United States
Answered By: hummer-ga on 06 Apr 2005 09:27 PDT
Rated:5 out of 5 stars
Hi kingfish1,

"Who pays to record a deed in each of the 50 U.S. states?"

Briefly, if one were to make a chart for all fifty states, the answer
would be the same: "usually the buyer".  In general, the buyer pays to
record a deed (in the buyer's name) and the seller pays to record
everything necessary to clear the title, but other arrangements can be
made. The county clerks offices don't really care who pay the fees, as
long as they are paid.

Who Pay What Costs and Fees?
"Please note that almost anything in the home purchase process is
negotiable, and as your Realtor, we will be discussing many of these
different items listed below. For your convenience I have requested
?American Home Loans? to prepare this list of Who Customarily Pays for
What; but it is not locked in stone."
Seller:  Recording Fees (To Clear any documents of record against the seller)
Buyer: Recording Fees (Transferring all Documents into the Buyer?s name(s)"

FHA Home Loans
"The buyer usually pays the fees for legally recording the new deed
and mortgage (line 1201)." 

"Seller pays Recording of any documents required to clear title."
"Buyer pays Recording of deed and all documents required for new loan
or affecting Buyer's title and vesting."

"Unless otherwise negotiated in the sales contract, the standard
purchase transaction will require that the purchaser pay the
recordation tax (1.5% of the sales price) and that the seller pay the
transfer tax (1.5% of the sales price)."

"The buyer is generally responsible for the following expenses related
to the purchase of real estate:
    * Mortgage policy
    * Closing fee
    * Recording of the deed, mortgage
    * Fees charged by the financial institution associated with obtaining a loan
    * Inspection fees (termite inspection, whole house inspection)"

"Recording fees - The buyer usually pays the cost of recording the
deed in order to change ownership and recording the buyer's mortgage.
The seller pays the cost of recording the release of the seller's
mortgage by the seller's lender and recording the release of any other
liens found in the record of title."

"Typically, you [buyer] must pay a portion of the property taxes, the
cost of all inspections, and all costs associated with the loan, title
search and closing. These costs include the appraisal fee, survey,
pest inspection, lender fees, fees to establish an escrow balance for
homeowner?s insurance, taxes and any required private mortgage
insurance, attorney fees, title insurance, and recording fees."

"Unless otherwise negotiated in the sales contract, the standard
purchase transaction will require that the purchaser(s) and the
seller(s) split the total transfer and recordation costs ."

"The following are fees typically collected at closing and customarily
paid for by the
   Recording fees for well disclosure, satisfactions of mortgage and
any other documents necessary to clear title
   Recording service fee 
   Recording fee for deed and mortgage and other documents necessary
to assure clear title"

"Buyers and sellers can negotiate as to who will pay which costs."

"Recording fees - These fees, which may also be paid by either the
buyer or seller, cover the cost of legally recording the new deed,
mortgage, or other documents such as a plat or survey. The seller
generally pays the costs of recording releases and other documents
required to give good title."

To Help Buyer Clients: Common Closing Costs for Buyers

I hope this helps. If you have any questions, please post a
clarification request *before* closing/rating my answer and I'll be
happy to reply.

Thank you,

Google Search Terms Used:

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kingfish1-ga rated this answer:5 out of 5 stars and gave an additional tip of: $5.00

Subject: Re: Real Estate Deeds in United States
From: hummer-ga on 06 Apr 2005 10:36 PDT
Thank you for the tip, kingfish1. Sincerely, hummer

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